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The 5 Best International Travel Insurance Companies for 2024

Allianz Travel Insurance »

AIG Travel Guard »

Generali Global Assistance »

World Nomads Travel Insurance »

GeoBlue »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best International Travel Insurance Companies.

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

With demand for international travel still on the rise, buying travel insurance makes more sense now than ever before. Having an international travel policy in place will ensure you won't lose the money you spent if your trip is canceled or interrupted for reasons beyond your control – or if your bags are delayed or lost entirely by your airline or cruise line .

Other protective benefits come from the best international travel insurance policies as well, including travel medical coverage for unexpected medical expenses and emergency medical evacuation. You may even find that the destination you plan to visit requires travel insurance, although most countries have dropped travel insurance requirements they initially put in place due to the pandemic.

U.S. News editors compared more than 20 of the top providers to find the best travel insurance companies for trips around the world. If you're hoping to secure the best international travel policy for your needs this year, the policies outlined below provide a solid foundation for you to start your research.

• Allianz Travel Insurance: Best Overall
• AIG Travel Guard: Best for the Cost
• Generali Global Assistance: Best for Medical
• World Nomads Travel Insurance: Best for Active Travelers
• GeoBlue: Best for Expats

Quiz: Not sure which travel insurance fits your trip?

Buy coverage for single trips or multiple trips at once

Annual plans available

Lower coverage amounts for emergency medical expenses than some other plans

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage up to $50,000
• Emergency medical transportation coverage up to $500,000
• Trip change protector coverage worth up to $500
• Baggage loss and damage coverage up to $1,000
• Baggage delay coverage up to $300 (12-hour delay required)
• Travel delay coverage up to $800 ($200 per day)

SEE FULL REVIEW »

Add-on coverage available for lodging expenses, preexisting medical conditions and rental cars

Optional CFAR coverage available with some plans

Coverage limits for its lowest-tier Essential plan may be insufficient for some trips

Add-on coverage for preexisting conditions must be purchased within 15 days of the initial trip payment

• Trip cancellation coverage worth up to 100% of the trip cost
• Trip interruption coverage worth up to 100% of the trip cost
• Baggage coverage worth up to $750
• Up to $200 in coverage for baggage delays
• Travel medical expense coverage worth up to $15,000
• Up to $150,000 in coverage for emergency medical evacuation

Choose medical coverage limits based on your needs

Generous limits for emergency medical expenses and medical evacuation across all plans

CFAR coverage must be purchased within 24 hours of initial trip deposit and is only available with Premium plan

Rental car coverage only included in top-tier Premium plan

• Trip cancellation coverage up to 100% of the trip cost
• Trip interruption coverage up to 175% of the trip cost
• Travel delay coverage up to $1,000 per traveler ($300 daily limit)
• Up to $2,000 per person in baggage protection
• Up to $2,000 in coverage for sporting equipment
• Up to $500 per person for baggage delays
• Up to $500 per person for sporting equipment delays
• Up to $1,000 per person in protection for missed connections
• Up to $250,000 per person in coverage for emergency medical and dental procedures
• Up to $1 million in coverage for emergency assistance and transportation
• Up to $25,000 per person in rental car coverage
• Up to $100,000 per plan in accidental death and dismemberment coverage

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Coverage limits within standard plans may be insufficient

No coverage for most preexisting conditions

• Up to $10,000 in coverage for trip cancellation
• Up to $100,000 in coverage for emergency medical expenses
• Up to $500,000 in protection for emergency medical evacuation
• Up to $3,000 in protection for damage or theft to your bags or gear

Purchase international travel medical insurance for individual trips, multiple trips or long-term travel

Coverage is mostly for emergency medical expenses abroad

Some plans require a primary U.S. health insurance plan

Frequently Asked Questions

While many countries began mandating travel insurance for visitors during the COVID-19 pandemic, most have loosened entry requirements and dropped this condition by now. Countries that still require international visitors to have travel insurance include the following:

• Antarctica: Travel medical insurance is generally required by cruise lines and tour operators for trips to Antarctica , with a standard minimum of $100,000 in emergency medical and evacuation coverage.
• Ecuador: You do not need travel insurance to visit the country of Ecuador, but you do need insurance with medical coverage to visit the Galápagos Islands .
• Qatar: Travelers visiting Qatar for more than 30 days are required to have a travel insurance policy that is approved by the country's Ministry of Public Health.
• Saudi Arabia: Visitors to Saudi Arabia from eligible countries must pay for an eVisa, and the cost includes compulsory travel insurance coverage.

International travel insurance works the same as travel insurance for domestic trips. These plans include various coverage options and coverage limits, and a deductible may or may not apply. Travelers can choose to purchase international travel insurance for a single trip or multiple trips; long-term plans for expats and missionaries are available from some providers.

While travel insurance policies can include a broad range of coverages, the main protections you'll want for international trips include the following:

• Trip cancellation and interruption coverage: This type of protection can reimburse you for prepaid travel expenses when a trip is canceled or interrupted for a covered reason beyond your control.
• Baggage delay insurance: This coverage can pay for incidental expenses that occur when your bags are delayed for a specific period of time (usually six hours or longer).
• Lost luggage coverage: This protection can replace your luggage and your belongings or reimburse you for costs if your bags are lost by a common carrier.
• Rental car insurance: This type of insurance may provide primary coverage when you rent an eligible rental car.
• Emergency medical and dental coverage: This type of insurance will pay for emergency medical treatment or dental expenses that may arise during your trip.
• Emergency evacuation coverage: This protection can pay for emergency transportation costs when you're sick or injured during your trip.

Also note that many travelers booking an international trip choose to purchase travel insurance that offers cancel for any reason protection, so they can cancel a trip for any reason at all, even if they just decide they don't want to go. That said, adding CFAR coverage to your policy will make your travel insurance plan more expensive. Most plans also have limits on how much of your prepaid travel expenses can be refunded, which are usually capped between 60% to 80% of your trip costs.

While coverages offered through international travel insurance plans tend to be broad, keep in mind that this type of insurance won't cover every situation that could arise. Some common issues that are not covered by international travel insurance plans include:

• Acts of war
• Claims due to air or water pollution
• Claims due to natural disasters
• Epidemics not specifically included in coverage
• Extreme, high-risk sports
• Government regulations or proclamations
• Nuclear radiation and contamination
• Terrorist events
• Travel bulletins or alerts

Many travel credit cards offer international travel insurance benefits, but you should know that these coverages have some limitations. For example, travel insurance plans from credit cards never provide meaningful amounts of coverage for medical emergencies or dental emergencies. You also have to pay for each trip with your travel credit card for coverage to apply.

The best international health insurance plan depends on factors like the length of your trip, where you're traveling and how much coverage you need. While you can take the time to get quotes from several different companies, websites like TravelInsurance.com and Squaremouth make it easy to compare coverage details, limits and pricing among several providers all in one place.

The cost of international travel insurance varies and can depend on your age, the length of your trip, your total trip cost and other factors. Consider getting multiple travel insurance quotes through TravelInsurance.com to get an idea of the cost of coverage for your upcoming travel plans.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has covered travel and travel insurance for more than a decade. Johnson has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

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Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

Why Travel Insurance?

Cancellation policies from travel providers like hotels and airlines may not have the comprehensive coverage you need. It's tough to make plans if you're not guaranteed to get your money back - What if you eventually need to cancel?

Expect More With Worldwide Trip Protector

Plan your trip with confidence knowing there are 30 covered reasons for trip cancellation for which you can be reimbursed up to 100% of your insured trip cost. 

Our most comprehensive travel protection product also includes benefits for trip interruption, accident and sickness, baggage, optional rental car and more. Optional coverages include travel inconvenience and  Cancel for Any Reason .

Uncertainty shouldn't keep you from planning your trip.

If you can’t travel or hit a snag after departure, we can help.

Cancel for Any Reason (CFAR)

If you must cancel your trip for a reason not stated in your Worldwide Trip Protector plan, CFAR reimburses 75% of your trip cost.

Travel secure with this optional benefit knowing that you're covered for unforeseen events beyond your control.

Travel Inconvenience

This optional coverage includes a fixed benefit amount per stated travel inconvenience. Travel inconveniences include, but are not limited to:

• Rainy Vacation
• Beach Closure
• Closed Attractions
• Flight Delay
• Missing Work
• Cruise Disablement

Trip Cancellation & Trip Interruption

30 Covered Reasons

Cancelling for a covered reason can reimburse up to 100% of your total trip cost. Interrupting your trip for a covered reason can reimburse up to 150% of your trip cost. Flight related covered reasons include:

• Inclement weather
• Natural disaster
• Airport strike

Interested in year-round travel protection?

Cover a full year of trips with the Annual Multi-Trip Protector.

This website contains highlights of the plans developed by Travel Insured International, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by C&F Services and for WTP Cruise only, AwayCare and Blue Ribbon Bags. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured International. P.O. Box 6503, Glastonbury, CT 06033; 855-752-8303; [email protected] ; California license #0I13223. While Travel Insured International markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Travel Insured and Travel Insured does not receive compensation from USF for providing the non-insurance components of the plans.

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How Delta Travel Insurance Works

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Whether it’s a canceled flight, lost baggage or an unexpected medical emergency, these events are not only disruptive, they can also be expensive. Purchasing a travel insurance plan can help mitigate some of the cost when your plans go awry.

According to Squaremouth, a travel insurance comparison site, travelers paid an average of $6,158 for a 16-day trip over the past year. That’s a lot of money on the table if an unexpected occurrence derails your plans.

One option to minimize this loss is purchasing travel insurance, such as coverage from Delta Air Lines’ plan. Here’s what to know about Delta’s trip protection policies.

Delta travel insurance plans

Delta offers international and domestic travel insurance that is administered by Allianz Global Assistance .

Its policies provide you reimbursement for some, or all, of your covered travel purchases and emergency medical expenses in the event of a disruption or delay.

Unlike dedicated travel insurance providers that offer annual or multi-trip plans , Delta’s plan is available for single-trip coverage only. However, you can purchase coverage for multiple individuals, as long as each person is named on the travel insurance plan.

» Learn more: What to know before buying travel insurance

What does Delta travel insurance cover?

Delta’s travel insurance option can be a convenient way to secure travel insurance, and it provides coverage for quite a few common scenarios, such as delayed baggage, trip cancellation and medical expenses.

However, coverage levels for some benefits will vary depending on where you live.

Generally, Delta’s trip protection includes the following:

Trip cancellation and trip interruption. You’ll get the nonrefundable part of your prepaid reservation back if you need to cancel or cut your trip short unexpectedly due to a covered event. Delta’s coverage limits for trip cancellation and trip interruption are based on the limits set for the state you live in.

Emergency medical and dental protection. If you experience an emergency illness or injury while on your trip, Delta travel insurance covers up to $10,000 in medical and dental expenses you incur for a covered occurrence. 

Emergency medical transportation. You might not always be near a hospital or urgent care facility when you are injured. For example, hiking in a remote location may require an emergency helicopter ride to a hospital. In this scenario, Delta’s travel insurance offers an emergency medical transportation benefit of up to $50,000.

Travel delay. Travelers who experience a trip delay of six or more consecutive hours can receive meal and accommodation reimbursements. The maximum coverage limits depend on your state of residence. 

Lost or damaged baggage. If your baggage is lost, damaged or stolen, Delta travel insurance reimburses you up to $500 for your personal items.

Baggage delay. This protection covers you when you need to replace essential items in your baggage because your baggage was delayed for 24 hours or longer. You can submit a reimbursement claim for up to $100 per person.

Change fees. If you need to make changes to your trip itinerary for a covered reason and it results in change fees, Delta trip protection reimburses you for this fee.

Concierge. As a traveler with Delta travel insurance, you’ll receive concierge support to help make your trip less stressful. A concierge associate can help you book restaurant reservations, provide travel recommendations and more. 

24-hour hotline assistance. If you encounter an emergency and need medical, legal or travel assistance during your trip, Delta travel insurance provides around-the-clock access to an associate who can help.

What isn't covered by Delta travel insurance?

A Delta travel insurance plan includes many categories for single-trip coverage; however, certain things that impede your travel might not be covered. Below is a list of what isn't covered under Delta’s trip protection.

Losses due to known, foreseeable and expected events.

Losses due to government restrictions, travel advisories or warnings.

Losses due to personal fear of travel.

Trips canceled due to fear of COVID-19.

Although impacted trips due to COVID-19 generally aren't covered, travelers might receive temporary accommodation under Delta’s Epidemic Coverage Endorsement.

For example, if you or someone in your travel group tests positive or is diagnosed by a physician as having COVID-19, you might be eligible for some benefits, like trip cancellation reimbursement.

» Learn more: Airline travel insurance vs. independent travel insurance: Which is right for you?

Delta international travel insurance cost

Plan rates for Delta trip protection vary based on the details of your trip — such as your destination and the total nonrefundable trip cost for all travelers — as well as your state of residence.

To get an accurate Delta travel insurance cost estimate for your upcoming flight with the carrier, use Delta’s trip protection quote tool online.

Delta also offers a window where you can cancel your trip protection plan and receive a full refund.

You must cancel your plan within 10 to 15 days of purchase (depending on your state). However, cancellations and refunds aren't available beyond this period or if you’ve already departed on your trip.

» Learn more: The best travel insurance companies

Is Delta trip protection worth it?

Ultimately, deciding whether Delta’s trip protection plan makes sense starts by assessing your risk tolerance.

If you purchased a nonrefundable flight ticket, reflect on how your finances would be affected if you had to cancel your trip and were unable to recoup the cost.

Conversely, consider your immediate finances and whether you have the budget to pay for Delta’s travel protection upfront.

On top of factoring in risk tolerance and costs, it’s a good idea to compare Delta’s coverage and limits against other travel insurance companies.

Although two different policies might offer baggage loss coverage, for instance, one might offer a maximum coverage of $500 while another covers up to $3,000. Likewise, emergency medical coverage can run from $10,000 up to $500,000 or more, depending on the policy.

» Learn more: Best credit cards for travel insurance benefits

Delta’s travel protection plan is a type of travel insurance that reimburses you for a portion of your travel expenses if you need to cancel a trip or you experience covered interruptions. It also provides other protections, like reimbursement of emergency medical expenses or lost baggage while traveling.

It can be purchased in conjunction with a Delta flight, either at the time of booking or as an add-on for existing reservations.

Delta travel insurance plans are underwritten by BCS Insurance Company or Jefferson Insurance Company, depending on the state you live in. Allianz Global Assistance is the administrator of the plans.

Yes, if you cancel within an eligible timeframe, you can receive a refund for the Delta travel insurance plan. You have 10 to 15 days after purchasing your plan (depending on your state of residence) to cancel and receive a full refund.

However, if you’ve filed a claim or have already departed on your trip, Delta’s trip protection can’t be canceled and is nonrefundable.

Before purchasing Delta’s trip protection for your next vacation, consider the existing insurance coverage you have elsewhere.

For a domestic trip, your health insurance coverage may extend to other states. You may also receive travel insurance benefits through your credit card, which would be activated if you use that card to pay for your trip.

Although Delta’s travel insurance includes many coverage categories, you could find that its coverage maximum amounts might not be sufficient for your needs.

The peace of mind of having travel insurance can be worth it. However, it’s wise to compare travel insurance policies to find the most coverage possible at a cost that’s reasonable for your budget.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

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Delta Airlines Travel Insurance - 2024 Review

Delta travel insurance.

• Available at Check-Out
• No Medical and Medical Evacuation Coverages
• Insufficient Travel Insurance Coverage

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Delta Airlines is one of the top US airlines and has the distinction of being the most awarded US airline. According to Delta’s website, “The Frequent Traveler People’s Awards has recognized Delta SkyMiles as the Americas’ top loyalty program in four of its five award categories, including best customer service and program of the year for 2021”..

As with so many other airlines in the USA, Delta Airlines Travel Insurance is part of the  Allianz Travel Insurance  family of trip insurances. What does their policy cover and should you purchase it? Let’s take a look and see what they offer and then compare it to what we can find in the open marketplace.

Our Sample Trip

For our review, we chose a roundtrip flight from Dallas, TX to London, England on Nov 6 – Nov 30 for two adult travelers. The website shows us each of the various fare categories at a glance for the departure time selected:

The various fares, and what is provided with that fare, can be reviewed by clicking on the name of the fare above the price.

There’s a $182 price difference between Main Economy Class ($1,713) and Main Economy Delight ($1,895) for our flight. What’s the difference?

Looks like we get a bit more legroom and free seat selection for our $182. But that’s it.

If we opt for Main Refundable Premium at $3,904, we’re looking at a $2,009 increase from Economy Delight. What’s included here?

Essentially, we get refundable tickets and more Sky Miles for our extra $2,009 cost.

Finally, we can opt for First Class at $7,787. That’s a huge jump of $3,883!

After considering our options, we chose the Economy Delight fare for departure and the Comfort + for the return flight.

Our final cost with taxes and fees comes to $3,788.96.

Finally, after seat selection and right before checkout, we are asked if we’d like to purchase travel insurance for the trip at $142.09 per traveler:

The policy provided is Allianz’s International Trip Protector V. The premium for the insurance sounds quite reasonable - $142.09/traveler for a total of $248.18. But what benefits are provided for that premium? If travelers live in any state besides NY, here are the benefits:

New York travelers have additional Travel Delay benefits of $200 (daily max of $150) with a required minimum delay of 6 hours. Otherwise, the benefits are identical to the shown benefits for other states.

The Allianz policy covers trip cancellation and trip interruption, both up to 100% of the trip cost per traveler. Lost or damaged baggage is covered as well. The policy offers $50,000 of emergency medical coverage and the same amount for emergency medical evacuation. Coverage can also be provided for pre-existing medical conditions if the insurance is purchased within 14 days of the initial trip payment date. Exceed that purchase window and pre-existing conditions are not covered and the company will look back 120 days from policy purchase to see if the traveler has a pre-existing condition that would not be covered.

While most of us have medical insurance at home, it often doesn’t cover us out of the country. Therefore, having adequate medical coverage in your travel policy is important when we travel.

Medical evacuation coverage gets us to a hospital that can treat us when we are severely ill or injured. This type of transportation can be extremely expensive, which is why travel insurance should provide enough coverage to get us home in a medical emergency.

Now that we’ve seen what Allianz will provide for insurance for our trip, let’s see what the open marketplace can provide.

Marketplace Options For Trip Insurance

TravelDefenders  is a travel insurance marketplace. We work with some of the largest trip insurance carriers in the country. We provide your travel details to them, and they provide binding quotes back which we sort in price order then highlight a plan we recommend for your trip. You don’t have to waste time shopping for quotes from individual companies.

Using TravelDefenders’s quoting tool and inputting our trip details, we are presented with 25 policies to choose from. For international travel, TravelDefenders recommends having at least $100,000 in medical coverage and $250,000 in medical evacuation coverage . A waiver of pre-existing medical conditions is also recommended if needed.

The least expensive plan for our trip with adequate medical coverage is the  IMG Travel SE at $358.04, which is the total cost for both travelers combined.

The policy provides the same 100% refund for trip cancellation as the Allianz policy and the same 150% refund for trip interruption as Allianz. More importantly, the IMG policy provides $250,000 of medical coverage per traveler and $500,000 of medical evacuation coverage per traveler – much more than Allianz’s $50,000. Coverage is available for pre-existing medical conditions if we purchase the policy within 20 days of our initial trip payment or deposit.

While the Allianz policy provided by Delta will only cover the airfare cost, travel insurance in the marketplace can include not only the airline tickets, but any other non-refundable trip costs such as hotels, tours or excursions or transportation tickets.

With the IMG policy, we’re getting more benefits and if needed, we can also cover our complete trip and not just the air portion!

Cancel for Any Reason Policies

If we want flexible cancellation options, we have other choices as well when shopping in the marketplace. Cancel For Any Reason (CFAR) policies allow cancellation for any reason whatsoever and still receive either a 50% or 75% refund of the trip costs (depending on the policy purchased).

Looking at our quote from TravelDefenders, the least expensive CFAR policy with the highest refund if we cancel for any reason not listed in the policy, is the Seven Corners Round Trip Basic (CFAR 75%) at $468.60 total cost for both travelers together. This policy provides $100,000 of medical coverage, $250,000 of medical evacuation coverage and gives a 75% refund of trip costs if we cancel for a reason not listed in the policy.

If you cancel for a serious illness or injury, then you would receive a 100% refund. But if there is no reason for you to ordinarily be able to claim, then the Cancel for Any Reason benefit provides 75% back.

We named this the  Airline Ticket Hack , and it is a great option instead of paying additional for a refundable airline ticket.

After looking at what Delta Airlines provides for insurance and comparing it to policies found on the open marketplace through sites like TravelDefenders , it makes sense to shop for travel insurance instead of simply taking the policy offered during checkout with Delta Airlines. Coverage tends to be more robust, covering more than just the ticket cost and the pricing is basically the same or less.

Does TravelDefenders Charge More?

In the USA insurance is regulated in such a way that the same policy cannot be sold at a lower price. We cover this in our article:  Travel Insurance Comparison .

What does this mean to a consumer? It means that the cost of flight insurance that you see through us is the exact same as if you went direct to the insurer. We do not charge a cent more than if you went direct. You cannot get better rates. Give us one minute of your time and let us compare the travel insurance market for you to find the policy that best fits your needs.

So, enjoy your next trip with Delta Airlines. But before you fly, check your travel insurance options.

Safe travels.

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

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The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

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Delta Vacations Travel Protection Plan Basic & Travel Protection Plan Plus

WHY TRAVEL PROTECTION? Your vacation is an investment of time and money. Delta Vacations, in conjunction with Allianz Global Assistance, the foremost provider of travel protection plans and travel insurance, help protect your investment from the unexpected.

Travel Protection Plan

Part A: Pre-departure Benefits Provided by Delta Vacations

Refund of cancellation fees

Documentation required

Purchase period  

Part B: Post-departure Benefits (Vacation Protector)

Provided by Allianz Global Assistance For complete details, go to:

Travel Protection Plan PLUS

Received in the original form of payment 1  

May be purchased any time prior to final payment 1

Plan Details , opens in a new window

Travel Protection Plan Basic

Received in the form of a Delta Vacations travel certificate 2

May be purchased any time prior to final payment 2

1 Cancel For Any Reason Waiver applies only if the Travel Protection Plan Plus is purchased within seven (7) days of your initial deposit for your trip. Payments made with miles and/or travel certificates will be refunded in the form of a travel certificate that will have an expiration date one year from the date of issuance of such travel certificate. All other payments refunded to original form of payment. 2 Cancel For Any Reason Waiver applies only if the Travel Protection Plan is purchased within seven (7) days of your initial deposit for your trip. The refund of cancellation fees will go to a Delta Vacations travel certificate that will have an expiration date one year from the date of issuance of such travel certificate. 3 Pre-existing conditions coverage only applies if Travel Protection Plan is purchased within fourteen (14) days of initial deposit for your trip (and for pre-existing conditions, the traveler must not be disabled from travel at the time the plan is purchased.)

Provided by Delta Vacations

• The Cancel for Any Reason Waiver protects the cost of your vacation and protects you from most cancellation penalties. Also, you can cancel for any reason and have comfort in knowing that your travel investment is protected. You must cancel before your scheduled departure.
• The Cancel for Any Reason Waiver is provided by Delta Vacations and is not an insurance benefit.

With this option, you receive all of the benefits with the Travel Protection Plan (listed in the chart above) PLUS you:

• Receive the refund of the cost of your vacation package AND cancellation fees in the form of your original payment should you need to cancel your vacation for any reason (less the cost of the protection plan).

Please Note: 

• If purchased, everyone on the booking must purchase the Travel Protection Plan. 
• The cost of the Travel Protection Plan is only refunded for cancellations covered by the hurricane policy (or within the state required free look period).
• Refer to Delta Vacations Cancellation & Change Policy  for penalty and refund details. 
• Certain restrictions apply to groups booked with our Group Department. 
• Certain items may not be refundable, such as show or event tickets, theme park passes, etc. 
• Airfare cancellation fees are currently being waived by Delta Vacations for a limited time and other non-air fees may still apply and will be covered under this plan.
• When one or more travelers cancel off of a booking but the entire booking is not cancelled, the booking will be repriced to reflect the remaining number of travelers. This may reduce the refundable amount for the person(s) whose travel is being cancelled.

Additional Information

For additional information about the Part A: Pre-departure Benefits or pricing or to purchase separately, please contact Delta at 1-800-800-1504.

Provided by Allianz Global Assistance and Underwritten by Jefferson Insurance Company or BCS Insurance Company

Your post-departure benefits can help protect you from the unexpected during your vacations, such as:

• Medical and emergency assistance
• Can reimburse up to $50,000 for covered emergency medical expenses, emergency medical transportation and 24-hour emergency assistance service for covered sickness or injury during the trip.
• Trip Interruption Can reimburse non-refundable, unused, pre-paid trip costs when you must interrupt your trip or return home early for reasons such as covered sickness, injury, etc.
• Travel delay Can reimburse for meals and accommodations when you are delayed on your trip for 6 hours or more
• Baggage delay Can reimburse for clothing and personal items if your luggage is delayed more than 24 hours
• Loss or damage to baggage or personal effects Can reimburse for loss or damage to baggage or personal effects that occur during the trip.

For additional information on Part B: Post-Departure Benefits, see plan and pricing details , opens in a new window .

Part B: Post-departure Vacation Protector includes insurance benefits and assistance services. Insurance benefits are underwritten by either BCS Insurance Company or Jefferson Insurance Company depending on the insured's state of residence. AGA Service Company is the licensed producer and administrator of these plans, 9950 Mayland Dr., Richmond, VA 23233.

Travel Protection Plan Terms & Conditions

Redemption Instructions

• Contact Delta Vacations at 1-800-800-1504 or online at delta.com/vacations.
• Enter/provide the 12-digit travel certificate number printed on the front of the travel certificate document during the payment step.
• Provide additional form of payment, if necessary.
• Delta Vacations will issue and send your travel documents via the delivery method requested during the booking process.

Redemption Terms and Conditions

• Travel certificate is valid for the value indicated on the front of the travel certificate document, when redeemed toward the purchase of any Delta Vacations air and hotel package; air, hotel and car package; hotel only; or hotel and car or ground transportation package purchase.
• Travel certificate can be redeemed in its entirety or in increments up to the value or balance remaining on the certificate.
• If the price of the booking is more than the value of the travel certificate, an additional form of payment for the remaining balance will be necessary to complete the transaction.
• Travel documents for the redeemed travel certificate will be issued, and sent via the delivery method identified during the booking process.
• Purchases with this travel certificate will be deducted from the balance until the value reaches zero or until the expiration date is reached, whichever occurs first.
• No refunds or credits will be issued for any unused portion of the travel certificate.
• Travel certificate is not valid for use toward the purchase of Group bookings, ski bookings, gift cards or another travel certificate.
• The expiration date for this travel certificate is printed on the front of the travel certificate document; the travel certificate is valid for payments made prior to the expiration date.
• Extensions to the expiration date will not be permitted, and travel certificate is not rechargeable.
• Lost, stolen or destroyed travel certificates will not be replaced.
• Travel certificate is void if altered or sold, is nontransferable, nonrefundable, may not be redeemed for cash, has no resale value, and is valid for use only by the person(s) indicated on the front of the travel certificate document.
• Travel certificate is not retroactive, and cannot be applied as alternative payment to reservations already paid in full.
• If a booking using a travel certificate as payment is cancelled, any remaining value after applicable cancellation fees have been deducted will be refunded back to the original travel certificate, and all terms of the original travel certificate, including original expiration date, will apply.
• Travel certificate cannot be redeemed for an Delta Vacations reservation with the same origin and destination and the same departure and arrival dates as the original trip that the travel certificate was issued for.
• Must be redeemed through Delta Vacations, and is not valid for redemption through Delta Air Lines or its website, delta.com.
• Delta Vacations must issue all airline tickets and travel documents.
• Standard Terms and Conditions and cancellation policies apply, which are outlined during the booking process; other restrictions apply.
• Delta Vacations is the final authority on the interpretation of these rules, and reserves the right to change these Terms and Conditions without prior notice.
• Travel Agents: Travel certificate can be redeemed via our agent website or Reservations.

For balance and expiration date inquiries, refer to the contact information on the front of the travel certificate document.

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June 1, 2020

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Find the Right Travel Insurance Plan for You

Whether you're traveling for leisure or business, you'll appreciate the benefits and coverage Allianz Travel Insurance plans can provide. With 24/7 support from our travel professionals around the world, we helped over 70 million people last year to protect themselves from the unpredictable.

OneTrip Prime

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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